So long as you pay something on a bill, you generally don't have too much of an issue. I can't tell you the number of people I know that are making $5 a month payments on $$$ medical bills. One of my coworkers and his wife had separate major health emergencies that put them in the hospital within 3 days of each other. She was in for months, he was in for weeks. Their combined bills after insurance is just over $500,000. $5 a month.

I have a feeling I'm going to be having surgery sometime in the near future, and I'll be joining that $5 crowd, because I'm still getting bills from a host of tests run at the beginning of the year that I'm paying on. I'm pretty much tapped out at this point.